Mutual Funds
Professionally managed portfolios offered by Frank as a Mutual Fund Representative — diversified investing matched to your goals and risk profile.
Investments & planning
Purpose first. Portfolio second.
Every account and investment has a role to play. Together, we connect the right building blocks to the life you are planning for.
Wealth Management
What you invest in
As a CFA charterholder and Mutual Fund Representative, Frank builds goal-based plans with professional discipline — matched to your timeline, your comfort with risk and your tax situation.
Segregated Funds
Market-based investments offered through insurance contracts, with maturity and death-benefit guarantees subject to contract terms. Fees, holding periods, guarantee levels and beneficiary features should all be considered before investing.
The next chapter
Make room for the retirement you imagine.
Retirement planning brings your savings, time horizon and future income needs into one conversation. Whether you are building your nest egg or preparing to draw on it, Frank helps you understand your options and revisit them as your circumstances change.
Talk to FrankThe accounts that hold your investments
An account is the container; your investments are what it holds. Eligibility, contribution room, withdrawals and tax treatment depend on the account and your circumstances. We discuss these details before you decide.
RRSP — Retirement Savings
Save for retirement while deferring tax: contributions can reduce your taxable income today, and your investments grow tax-deferred until you withdraw them.
TFSA — Tax-Free Savings
A flexible account where investments grow tax-free and withdrawals are tax-free too — for any goal, from an emergency fund to retirement.
RESP — Education Savings
Save for a child's education and let federal and Quebec government grants add to your contributions. Savings grow tax-deferred until your child is ready for school.
FHSA — First Home Savings
Save for a first home with the best of both worlds: contributions are tax-deductible like an RRSP, and withdrawals for a qualifying first-home purchase are tax-free like a TFSA.
RRIF — Retirement Income
Turn retirement savings into withdrawals through a registered retirement income fund. The remaining balance stays invested, while withdrawal requirements and taxes form part of the planning discussion.
Non-Registered Account
A flexible investment account with no contribution limits — for saving beyond your registered room. Growth is taxable, but capital gains and dividends receive favourable tax treatment.
Our approach
01
Understand your goals
We start with a conversation about what you're saving for, when you'll need the money and how you feel about risk.
02
Build the plan
Frank recommends accounts and investments that fit — explained clearly, with the reasons behind every choice.
03
Review regularly
Life changes, and your plan should keep up. Regular reviews keep your investments aligned with your goals.
Investments involve risk and can lose value. Mutual funds are not guaranteed; fees and expenses apply, and past performance may not be repeated. Segregated fund guarantees apply only as described in the contract. This is general information, not a personal recommendation.
Let’s give your goals a plan.
Start with a free, no-obligation conversation in English or Chinese.